Sustainability Report 2021 Contents 01 Introduction 03 Strengthening 05 Our universal principles 01.1 Message from the CEO 05 our foundation 05.1 Target and achievement tables 94 01.2 Company description and strategy 07 03.1 Corporate citizenship 57 05.2 How we report: transparent reporting, 99 01.3 Our sustainability approach 08 03.2 Cybersecurity 59 ratings and performance 01.4 Our social approach 09 03.2.1 Data privacy 59 05.3 Materiality 101 01.5 Our climate approach 10 03.2.2 Data ethics 59 05.4 Stakeholder engagement 103 01.6 Our sustainability integration approach 11 03.2.3 Information security 60 05.5 Sustainability governance 105 01.7 2021 Reporting highlights 13 03.2.4 Cyber risk 60 05.6 Our commitment to human rights 108 03.3 Regulatory and public affairs 61 05.7 Our impact on the U.N. Sustainable 109 03.4 Compliance 62 Development Goals 02 Measuring and 03.5 Tax transparency 64 05.8 Independent practitioner’s report on a 110 managing sustainability 03.6 Sustainable procurement 65 limited assurance engagement on sustainability information Sustainability in our business activities 02.1 Sustainability in insurance 16 04 Climate-related 02.1.1 Integrating sustainability in insurance 18 financial disclosure 02.1.2 Climate change and decarbonization 18 02.1.3 Natural disasters 20 04.1 Highlights 67 02.1.4 Emerging consumers 21 04.2 Governance 68 02.1.5 Sustainable solutions 22 04.3 Strategy 69 02.2 Sustainability in proprietary investments 24 04.4 Strategy resilience, stress-tests and climate 73 02.2.1 Integrating sustainability in proprietary investments 25 scenario analysis 02.2.2 Sustainable investments 28 04.5 Risk and opportunity management 82 02.2.3 Climate change and decarbonization 30 04.6 Targets and metrics 85 02.2.4 Sustainability in real estate investments 32 02.3 Sustainability in asset management 33 Sustainability in our organization 02.4 Human resources 37 02.4.1 Diversity and inclusion 42 02.4.2 Training and developing our people 44 02.4.3 Engaging our employees 45 Disclaimer regarding rounding 02.4.4 Health and well-being 47 02.5 Customer satisfaction 49 Due to rounding, numbers presented may not add up precisely to 02.6 Environmental management 51 the totals presented and percentages may not precisely reflect the absolute figures. 02